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Bank Of Ireland [Charges due to no funds/incoming Laser Transactions]

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  • 24-03-2011 3:22pm
    #1
    peterflln
    Registered Users Posts: 42 ✭


    hi,Im just looking for a bit of advice..

    Last week i made 5 purchases(on 16,17th) last week with my laser card,i had sufficent funds in my a/c when making the purchases...two direct debits came out friday last which caused my a/c to become overdrawn..but because of the bank holiday,there was a delay in processing the laser transactions..now BOI have hit me with 6 overcharge fee's worth E27...i don't mind the 2 overcharges concerning the DD's as the money wasn't in my A/c at the time...but each time i used my laser card i actually had funds in my A/c so why are the charging me these fee's??

    I'm just wondering,should a query it with my bank??

    Thanks


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    #2
    BuffyBot
    Moderators, Motoring & Transport Moderators Posts: 24,924 Mod ✭✭✭✭BuffyBot


    This happened because the funds weren't there when the transactions hit your account. When you made the purchase is irrelevant in this case: you need to have the funds to cover them when they actually come to be processed.


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